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"A visit to THE DANUBE DELTA usually begins in the Romanian town of Tulcea, a two-hour drive from Constanta.
As I boarded a small, brightly painted boat and headed for the delta, I entered a world that seemed almost
anachronistic. Here, at the gateway to the 2,200-square-mile Danube delta wetlands, I found lakes and
channels with crystal-clear water, and a network of islands, covered in swaying reeds, that would be
blanketed by wildflowers in summer. The delta is a haven for bird-watchers; willow, ash, and white poplar trees
provide nesting sites for more than 300 species of birds over the course of a year. The silence was broken
only by chirping and the sound of oars cutting through the water as fishermen rowed by."
(Excerpts of an article by Ms. Nina Darnton, a New York-based freelance journalist). »»»
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Cascade Garage Doors
2 Reviews
"Bob handles all our garage door work. Bob has done work for us for years. He always returns our calls and gets back ..."
Serving Tacoma, WA License: CASCAGD981PT
Cascade Garage Doors provides quality sales, service and installation of residential garage doors and openers in the greater Thurston, Pierce and South King counties. Robert Woolard, the company owner and operator, has more than 20 years of experience in the residential garage door industry. He take...

subset: commoncrawl


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Raised Garden Bin
Bring the Wonders of Gardening to Every Child's Life
Some assembly required.
Please note: If choosing to treat this item, please ensure it is safe for the interior of the bin where plants and edible vegetation will be growing.
Dimensions: Bin volume is approx. 4.7 cubic feet
Short: 32" L x 34" W 28" H
Tall: 32" L x 34" W 33" H ADA Compliant
Please allow up to 2-3 weeks to ship.
|Item #


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L'Occitane en Provence
multiple locations
L'Occitane en Provence
1188 Third Ave. (at 69th St.)
New York, NY 10021
- phone: 212-585-1955
- website: www.loccitane.com
- get directions
- show more locations
This newly designed outpost—think urban greenhouse—for the French skincare and fragrance brand is conveniently located in the Lexington Passage of Grand Central Station. Coming or going from New York, travelers can easily indulge in L'Occitane's luxurious product line, including the classic Verbena Eau de Toilette, richly moisturizing shea butter products and their eco-friendly shampoo line.
- additional info:
- American Express
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Eureka Toys My Very Own Kaleidoscope
Product Details
Add some colour and brighten your room with the My Very Own Kaleidoscope. To design your own kaleidoscope patterns, simply add the coloured shapes (stars, hearts, teardrops etc.) to the transparent disc and slot it into the side of the Kaleidoscope projector. Then you can project your unique colourful patterns onto walls and ceilings. - A.D.
- Kaleidoscope projector
- Project colourful patterns onto walls and ceilings
- Coloured shapes included
- Batteries included
- Suitable for ages 6+
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Express Delivery - if ordered before 8pm, delivered by courier next working day. More Info »
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Please check the stock availability notice on your item when placing your order. This item is: In stock | Usually dispatched within 24 hours
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How Many Different Nasal Sprays Are Available To Buy Over The Counter
Uncategorized August 6th, 2013
As you walk through the aisles at your local pharmacy, you are likely to be amazed at the sheer number of products that are available for your health. This is especially true when you reach the nasal spray section. The days of having two or three choices are long over.
There are usually at least a dozen choices when it comes to nasal spray. Even though there are so many choices, some of the choices may come from the manufacturer.
When it comes to choices in nasal spray, you may find that Read more »
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Tips To Take Care Of Your Children's Nasal Health
Uncategorized June 8th, 2013
Keeping a child healthy does not simply involve regular visits to the pediatrician and timely inoculations, but requires parents to vigilant about all areas of their child's health. Learn more about how to take care of your children's nasal health right here.
If your child constantly has the sniffles, do not put off a visit to the doctor. Prolonged nasal congestion could be indicative of allergies or could lead to the development of more severe conditions like asthma.
Parents should also know the difference between normal nose drainage Read more »
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Which Nasal Spray Is Best For Your Health
Uncategorized April 10th, 2013
The type of nasal spray you use really helps to make the difference in how you feel each day. More and more people need to use nasal spray because of allergies and congestion that they might deal with due to the season or by just being around an animal with dander. The best way to choose the right nasal spray is to utilize the Internet to read customer top rated reviews. People will sometimes rate and review products they have used and this gives you an idea of how well Read more »
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What Medications Are Best For Nasal Health
Uncategorized June 10th, 2012
You have to figure out what kind of nasal problem you are having before you can decide how to treat it. Allergies can cause a person to sneeze, have a running nose or become congested and develop a sinus infection. Of course, a cold or the flu can cause the same symptoms and lead to the excessive mucus production and other respiratory complications. The treatment for each, however, would require different medications.
You can get relieve from allergy symptoms by taking antihistamines.I was looking for more Read more »
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Tips On Taking Care Of Your Nasal Health
Uncategorized April 29th, 2011
Most people just enjoy life and never give the idea of breathing through their nose a second thought. But for the people who have a problem with this because of allergies , infection, or nasal deformities, it is a constant problem.
There are things you can do to improve the way you breath and take care of your nasal passages. They are easy and inexpensive.
There are several irrigation systems on the market. You do not need a prescription to buy one. By using this simple process every day, you can keep your nasal Read more »
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What Are The Advantages Of Nasal Health
Uncategorized April 15th, 2011
One area of total body health care that is often ignored includes nasal health. There are numerous advantages of nasal health. Drainage from the nose can irritate the entire body and make things like asthma and rhinitis worse. Protecting and practicing proper nasal health should help improve the health of the entire body.
What a nasal wash can do to improve health is clean mucus from the nose. This should help make medication more effective and breathing easier. It is also important to clean irritants and allergens from the nose. This should make you Read more »
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What Are The Benefits Of Nasal Health
Uncategorized April 3rd, 2011
Nasal health is often wrongly overlooked when trying to maintain one's health. Many people don't even think twice about their nose until it's stuffed up, making it harder to breathe. Don't make the same mistake; good nasal health is very important.
Most physicians recommend their patients clean their nasal passages daily, with a nose spray or warm steam. A high quality saline nose spray or solution can help rinse the irritants and allergens out of your nose. Also, a hot shower or warm, moist compress over the nose will help loosen any Read more »
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The simple benefits of nasal breathing
Benefits December 30th, 2010
You might think that the choice between breathing through your nose or through your mouth is simply one of convenience. However, several doctors have stated the benefits of nasal breathing over breathing through the mouth. Today, wireless internet service makes it easier than ever to find health information no matter where you are, although you should always consult with your own doctor if you have any serious questions. With that in mind, here is some food for thought:
- Air travelling through the environment through the sinuses rather than the throat. The sinuses are well-known to be better at filtering air than the mouth.
- The smaller size of the sinuses helps to create lung pressure when you exhale. This makes it easier for the lungs to extract oxygen.
- Losing carbon-dioxide too quickly will affect the blood's pH. Read more »
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Sneezing your eyes out
Nose Myths September 30th, 2010
Many people have heard the urban legend that keeping your eyes open while sneezing will literally pop them out of your head. Is there any truth to this rumor?Absolutely notthe legend is just that. The force of a sneeze is nowhere near strong enough to dislodge an eyeball. If it were, the human eyelid wouldn't be strong enough to keep it in. Furthermore, eye sockets are not even connected to the nasal passages. Eyelids close during a sneeze simply because the ocular and nasal nerves are closely connected. It looks like this rumor will simply have to be put down to someone's gruesome flight of fancy.
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Humidifiers bring relief to the dry winter months
Humidifiers September 27th, 2010
You don't have to subscribe to humidifier magazines (like Tina Fey's character "Liz Lemon" on 30 Rock) to recognize their benefits. For those of us who live in areas where the air can become unbearably dry at any time of year, the symptoms are common: dried-out skin, throat pain, itching in the eyes, sinus headaches, and more. The exhaustion that regularly accompanies these feelings can make it hard to search for a solution, but luckily humidifiers can help combat these uncomfortable issues.Buying your first humidifier can be confusing if you don't know what you're looking for. Most humidifiers are evaporative or wick models, in which a fan blows in order to evaporate water. The water evaporates more or less quickly based on the humidity of the room, so these models are effective self-regulators, but their wicks can easily become moldy. Read more »


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Quarter Quell Posters From "The Hunger Games: Catching Fire"
by Perry Michael Simon on July 17, 2013
So, here we have a new series of posters for The Hunger Games: Catching Fire, and they show the competitors in uniform ready for the Quarter Quell, another deadly contest to which these District representatives have been selected. Ready? Here they are:
Hunger Games fans, whaddya think?
HT: Empire Online, Lionsgate


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BeschreibungOne player poker for Sony SmartWatch.
- Animated graphics
- Customisable payout table
- Just for fun, no actual money involved!
How to play:
1. First you place an ante bet to see the flop (3 cards),
2. Based on those 3 cards you can check, or raise. Either way you will see the turn card (4th card).
3. Then you can check or raise before the river, the 5th and final card.
At the end of the hand you will be paid out according to the pay table.
LiveWare™ extension for SmartWatch


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quote:Originally posted by 6star I like my veggies well done, thank you, or else raw with a dip or salad dressing. I think "crisp-tender" was invented by someone who was in a hurry and didn't want to take the time to properly cook veggies.
quote:Originally posted by Hiram Callahan One of my favorite ways to prepare green beans is stewed with dill, tomato, and onion. I got this from the Joy of Cooking. Basically, saute a chopped onion till translucent, then add beans and tomatoes (I usually use frozen beans and canned tomatoes and I've had no complaints), and some dill, fresh if you've got it, plus salt and pepper to taste. It stews up in half an hour or so and it's just delicious.
quote:Originally posted by stlouisguy Slowly cook green beans with a ham bone, some extra ham meat, diced onion and a bit of celery, black pepper, (you won't need salt) and half water and half chicken broth. Cook them for about 2 hours. About 1/2 hour before done, add some quartered potatoes, red are best. Have a little Crystal sauce, maybe some biscuits or cornbread on the side. Good eatin', Jethro.
quote:Originally posted by dreamzpainter Im not crazy about greenbeans unless its french cut. Heated then a dollop of butter and a splash of wine vinager....


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M And T Bank Is Robbing You
Posted by CP1013 on 01/28/2010
BUFFALO, NEW YORK -- For the life of me I couldn't understand what was going wrong with my checking account. In my pledge to get my finances under control this year I called the bank to find out exactly what was going wrong. To my surprise I was told by a bank representative that the bank puts a 3 day hold on your account every time you swipe your check card. In some instances, they will take the money out, put it back into your account and then take it out again. All depending on the merchant. Also, did you know that the bank will no longer decline your card if you don't have money in your account. "We do this as a courtesy to you" I was told by the bank representative A COURTESY???? Not to me.....it's a courtesy to the bank because they hit you with a $37.00 fee for insufficient funds. Was I asked that I wanted this? NO! I never agreed that it's OK for this COURTESY and I don't mind paying you $37.00 each time. Decline my friggin card. That's my choice. It's my money not yours.
M&T charged me $37.00 for being overdrawn by $2.00 then again for $.84..... Seriously?!??! How is that justified. And forget about trying to get that reversed....where is the room for human error? I was told to ditch the bank and go to a credit union where they will not charge you any fees.
Needless to say, I am reporting the bank to the Federal Reserve (not that reporting one thief to the next will do anything but you have to try).
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Posted by Anonymous on 2010-01-28:
I don't know if M and T offers this, but there's is an option that you can set a threshold for your account. And once your checking account goes below this threshold, you can opt out to have your transactions denied if you don't have the sufficient funds in your account to cover the transactions. Though, it may or may not catch everything and you can still wind up with an overdraft fee.
"Also, did you know that the bank will no longer decline your card if you don't have money in your account."
This not something new. It's been happening, for at least, 10 years or so.
This "hold" on your money... not all transactions come out at the same time. Everything is done in batches. If you use your card as debit card (you punch your pin code in), transactions should post the next business day. If you use your debit card like a credit card (you don't punch your pin code in), it takes up to 6 days to post and doesn't always show up as pending online.
"I was told to ditch the bank and go to a credit union where they will not charge you any fees."
You are misinformed. Credit Unions still charge overdraft fees if you spend more money than what's in your account.
A good way to keep your accounts on track, is to keep records of your spending. All it takes is that one check you forget about or that one purchase, to send you on a spiral of no return in overdraft fees. Whether it be a check register, keeping your receipts and doing Quicken or using your brain as your calculator... whatever.
Gone are the days of denied transactions and floating checks.
Posted by yoke on 2010-01-28:
Every time you swipe your card you should deduct the amount from your checking account. If you do that you will not get any fee's. I wish the banks would decline people's debit cards if the funds are not there, but then we would get them on here complaining that they were declined and they were only 1.00 short.
BTW, Credit Unions do charge you if you do not have the funds to cover what you spend. CU's also will close down your account faster if you continue to have NSF's.
Posted by Anonymous on 2010-01-28:
The banks call it a "courtesy" or a "service" or anything else other than what it is which is a loan in order to skirt the Truth in Lending disclosure requirements so says Bill Strunk the man who came up with the idea of letting customers overdraft their account for a fee. It's all legal chicanery.
Posted by Inat on 2010-01-28:
didnt some high schools begin teaching basic finance? Sounds like it needs to be a requirement for graduating HS. Tell kids how banks work. Tell kids that banks dont keep track of you money for you, they just hold it and distribute it for you. Tell the kids that it is their responsibility to know how much money is in their account, not the banks. I'm shocked at the number of people who do not seem to know how to work a bank account
Posted by Anonymous on 2010-01-28:
It's not just up to the school's to teach kids about finances, but there's parents as well. That's how my education on finances and bank accounts was instilled into me.
Posted by Inat on 2010-01-28:
well, parents are not always the best ones to teach their kids about finances (socia-economic status and habits are learned traits). My mom taught me what NOT to do - if i took her advice I'd be in trouble b/c she was pro at floating checks - cant do that anymroe :)
Posted by Anonymous on 2010-01-28:
I'm just saying, "there's also parents."
But, I know many parents out there that can't balance their checkbook worth a darn either.
Posted by Inat on 2010-01-28:
oh i know what you meant - anyway, if i didnt need bill pay, online banking, etc I wouldnt even use a bank. jsut pay cash for stuff - and pay your utilities at Kroger...
Posted by skelly39 on 2010-01-28:
"That's my choice. It's my money not yours."
If you made the choice to overdraft your account, then it's not really your choice if you get a fee, because it's not really your money they are using.
I wholeheartedly agree that the fees are insane and the banks will use every tactic to take as much money from you as they can. But if you make the right choices, you won't have to deal with fees. If you choose to borrow money from them, then be prepared to pay through the nose.
Posted by Anonymous on 2010-01-28:
"All depending on the merchant." Then why are you blaming the bank? Do you understand how the merchant works? I don't think you do. When you swipe your card, the banks puts a hold on the amount submitted electronically by the merchant at that time. The merchant then submits the actual charge to the bank for payment. Auths are only applied for a certain number of days. if the merchant does not submit the charge before the auth drops, the funds are placed back in your account until the charge comes through. THIS prevents an overcharge.
"Also, did you know that the bank will no longer decline your card if you don't have money in your account" This is a courtesy by the bank. If you keep a register you will always know how much money you have. Back in the day when people spent more than they had (writing checks) they went to jail for check fraud. How about the banks go back to that?
Posted by Slimjim on 2010-01-28:
Save yourself the bother of your report to the Federal Reserves. As much as Obama is slamming the big bad banks in a postured attempt to get some public support back, there is nothing illegal about charging you an overdraft fee if you, in fact, overdraft your account.
Also as said, credit unions charge overdraft fees too. I don't know where that misnomer keeps coming from.
Posted by Anonymous on 2010-01-28:
Not from the credit unions Jim, they are getting their share of the overdraft pie
Posted by Slimjim on 2010-01-28:
Got that right Ken.
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Posted by ComputerSage on 10/02/2009
I was happy with Provident Bank. I was never charged an ovedraft fee by provident bank. Provident was sold to the loan shark bank M and T. I have direct deposit, and every week I am getting slammed with "overdraft: fees for this month only I have $ 570 in ovedraft fees alone!.I deposit checks and then a partial amount is put on hold and a partial amount is made available in the "available" balance. UNlike other bank the held amount is not disclosed in online banking and neither are you told when it will be available. Different bank employees are not on the same page regarding procedures and policies. Most of the employess are rude and condesceding and treat people as if the shoulsd not be asking questions about their own bank accounts. We have a business and wanted to open a business account but we will take our business to Suntrust. There is something very sorry about the backend transactions they are performing to cause account to overdraw. I am also at a loss at how a transaction whose payment was swiped on the check card several weeks before, gets debited last that one I did last week whose amount was larger. The larger more recent transaction get processed first so that all the other smaller item wil overdrwa the acount an dthen get assesssed late fees. This is suppossed to be a free checking with direct deposit. They have it to a science since they know how much comes in every direct deposit. This bank is robbing customers and should be prosecuted .
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Posted by MSCANTBEWRONG on 2009-10-02:
Don't spend more than you have and you will avoid any type of OD fees..regardless of the order of your transactions if you spend more than you have you give the bank the opportunity to charge you tons of fees...
Posted by MaggieMcT on 2009-10-02:
The terms of your account have to tell you about holds and availability of deposits. If you don't have a copy, you need to get one asap.
Posted by Anonymous on 2009-10-02:
The Funds Availability policy is posted in every branch, and they will hand you a copy if you ask, or you could look at the copy you received when you opened the account. At a pretty quick glance you can determine the availability of any item you deposit.
A word of caution, having multiple overdrafts is a legal reason for them to extend the hold time on your deposits.
Posted by Anonymous on 2009-10-02:
You also have to be aware of how you use your card. If you use it as a debit card (you punch your pin code in), the transaction will post the next business day. If you use it as credit (you DON'T punch your pin code in), it could take up to 4 days until it posts.
Having multiple overdrafts is bad. Not only does this bank get your money, but when you deposit large checks, holds get put on them.
Posted by yoke on 2009-10-02:
I hate it when the bank takes OD fee's out for no reason.
When you make a deposit it will say on your receipt when the funds will be available. If not then ask the teller, she will tell you.
Posted by JR in Orlando on 2009-10-02:
Somehow you came up with $570.00 for overdraft fees this month. Seems like if you came up with that amount and left it in your account as a cushion, you would not have this problem with overdraft fees. Spending to the last dollar in your account, creates the risk that an overdraft will occur. Accept these are the rules, that the rules apply to you, and that you will pay if you deny reality.
Posted by TheMightyBoosh on 2009-10-02:
mscantbewrong did you even read the complaint? the poster is not spending more than she has if part of her deposits are put on hold without any indication as to when the full amount will be available. get real.
Posted by yoke on 2009-10-05:
mightyboosh, when the OP made the deposit on the deposit slip it should say when the remainder will be available. If it did not it was up to the OP to find out before spending the money.
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This is the Least Consumer Friendly I have ever encountered
Posted by SFC PBD on 07/20/2009
My Bank, Provident, was recently acquired by M&T Bank.
They are the least consumer friendly bank I have ever encountered. Today (before 1100 AM) my wife took a CASH deposit to them and was told they do not credit cash until the following day!
Additionally, I am in the military and even though I have direct Deposit they do not credit the deposit for almost 24 hours.
Do yourself a favor avoid them at all costs. They use your money for 24 hrs then charge you outlandish fees.
I will be switching banks!
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Posted by saj80 on 2009-07-20:
Per Reg CC, cash deposits are required to be credited to the account no later the one business day after the deposit is made, so the bank is legally within their right to do this. However, it doesn't make sense from a customer service viewpoint; find a small, locally owned bank and stay away from the large national banks.
Posted by Anonymous on 2009-07-20:
Don't be too quick to jump. What they are saying is that the cash will post with full availability during the same buusiness day's update. Just about every commercial bank works the same way.
Posted by fire4511 on 2011-03-24:
If you are military, you have several credit union options in the "Provident" service area.
Anything is better than "empty" (M&T)
Posted by MDSasquatch on 2011-03-24:
If you have one in your area, contact Wells Fargo and ask them about their Military Accounts; I joined them when I was on active duty and have been with them for about 6 years now. Great Bank
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This Company Really Has Terrible Customer Service
Posted by Charityb1999 on 01/31/2013
BALTIMORE, MARYLAND -- I entered the bank on January 30 2013 to cash a check; I have 2 business accounts and a personal account with M and T Bank. I signed the check and put a thumb print while waiting for the Teller.
When she came she was looking up the account and had to receive approval because of the amount of the check". This was a new account but I am not a new Customer. The other Teller comes and starts asking who the owner of the company is, where else did I try to cash the check, and treating me as if I was a thug that just came off the streets:. My check had cleared and been validated, the Teller proceeds to help other people without letting me know anything when I asked what is going on she tells me that they are working on it and she doesn't know what they are doing".
So I asked to speak to a Manager and she says the Manager is in the back working on something. After I insisted on a Manager and raised my voice then someone came from the back and guided me to the Manager, as I arrived in the Managers office she is calling the bank I opened the account with inquiring on my intentions.
I was never asked any questions; they were treating me as if I had bad intentions, without explaining or asking any clarifying questions! They didn't even research to see if I had any other accounts/.The customer service at this location is very unprofessional and the Tellers are very unhelpful, if you can go to another location or better yet go to another bank.
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Posted by leet60 on 2013-01-31:
With respect, the tellers may be limited in what they are allowed to tell you in a situation such as this. They could, perhaps, been more polite to any customer.
The bank verifying a check on what they considered a new account is not uncommon, with the amount of check fraud that is prevalent.
While I agree, they could have been more polite and professional with any customer, verifying the check was certainly not out of their normal procedures.
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Why Can't You Do What I Ask?
Posted by Tmkreiger on 01/25/2013
I called the bank to tell them to stop payment on a product I cancelled two months ago. They keep billing me. I said to stop payments to them and got the runaround that they cannot stop electronic payments. What is so hard about this? Just stop paying the hydroxatone people. Don't let them take any more money out of my account. What is so hard about this? Just block them. Jeeze
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Posted by Obsfucation on 2013-01-25:
Here's what's so hard. When a block is placed, they have to specify exactly what to block, things like originator number, dollar amount, description, source, among others. All the Hydroxotone company has to do is change a variable each time, and it will slide right through. They know this and take full advantage of it.
Have you signed a stop payment form for this company? That's the first thing you must do. A vedrbal request is not sufficient. If you have stopped payments, you are within your rights to have them returned, but you still may have to monitor and request a return when it happens.
It is a great deal more difficult to get the kind of payments turned off on a debit card than it is on a credit card, and is th eprimary reason for not using a debit card on this type of deal.
Posted by trmn8r on 2013-01-25:
Automatic electronic withdrawals are very dangerouus. I grant this to only my power company and my telephone company (a landline - very predictable bills).
From 5 minutes of research (very brief), it appears that a bank should block a recurring charge if they are given oral or written notice 3 days or more prior to the scheduled transaction. If they let it through, you should be able to get it back.
However, it appears that if the company changes the name on the transaction, it could go through anyway. I imagine they would have to change the account it is transferring to as well, but I don't know.
Your last option appears to be a hard block on debits, which could be hard and take weeks to implement if you have others set up. Good luck - that is a nasty problem.
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Cant Get a Payoff Amount
Posted by on 08/06/2012
My son called in for the payoff on his truck. They can discuss the account status but can't give him the amount. So he calls me 2700 miles away. I call and I get we can't give you that amount without the VIN number to verify the loan is the right one. I only have one with them and never a freaking again. DONT GET A LOAN WITH THEM. They tell you can get info on line. NOT ON AN AUTO LOAN why is it the only one you can't get. HMMMM they are the people they can scam more......................... My mom was to be the co-signer, but she is the only one on the loan. I have complained for 5 years and they say it will show on my credit that I paid this loan. NOT
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Posted by DebtorBasher on 2012-08-06:
I'm a little confused here...the truck belongs to your son, the loan is under YOUR name (his parent) but your Mother (Your Son's Grandmother) is the co-signer? Do I have that right?
Posted by Susan on 2012-08-06:
If the auto loan is in your mother's name only then that is most likely the only person they will give account information to, such as the payoff amount. And since the loan is in her name under her social security number there is no way that the payments can be reflected on your credit report. Finally, requesting the VIN number seems pretty reasonable to me.
Posted by trmn8r on 2012-08-06:
I'm with DebtorBasher, who is a pleasant companion if you must have one. It sounds like three generations are involved.
I'd like to believe that if the person who signed for this loan were to call, and provide the information needed to identify themself and the car, they could obtain the information sought.
Posted by jonthethird on 2012-08-06:
the payoff on my vehicle note is on every statement
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Excessive ATM Fees
Posted by Rayprugh on 08/03/2012
BALTIMORE, MARYLAND -- Apparently the bank, in their usual manner, issued a notice in small letters at the bottom of a statement that they were to charge a fee for each and every ATM withdrawel over 4 per statement period (1 month). I still haven't found that notice! This fee was to be $5.00 per transaction. This is in addition to the $2.50 fee if you use another banks ATM.
In July my wife used the ATM 20 times to acces HER money so M&T charged her $80.00 in fees. During the same oeriod they paid he $.01 in interest. It looks to me like they want to penalize you to keep YOUR money where THEY can have access to it to use as they see fit. When I called them I was told TOO BAD no refunds for you. That is why by September 1st the account will be closed and in another bank that appreciates my business.
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Posted by Bill on 2012-08-03:
M and T has to make up the money they paid to acquire Wilmington Trust last year. If you want free atm use you have to sign up for the premiere account or whatever it's called and it only applies to M and T atms.
Luckily I was a customer with Wilmington Trust before and we were grandfathered in according to a teller so I don't think M and T and can start hitting us with fees.
If they do it will be time to look for a new bank or credit union.
Posted by trmn8r on 2012-08-03:
Reading those disclosures is extremely important, as you found out. My guess is indeed there was such a notice - banks are required to send them.
Banks have scrambled in the last year to find new ways of making money because of certain changes in fees they can no longer charge. I think everyone realizes at the end of the day they have to be profitable. However, fees like this can be shocking because if you aren't aware of them you can get whacked like you did.
It does cost money to provide and maintain ATMs. Limiting customers to 4 withdrawals a month is reasonable IMO. Of course I would NEVER pay $4 to use an ATM, so I would make sure not to go over 4. I also would NEVER use an out of network ATM. Avoiding bank fees can be very profitable for us as consumers. Good luck with your new bank.
Posted by bob932304 on 2012-08-03:
Want free ATM withdrawals - join a credit union. Some minimums are $100 for checking, some are only $5.
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Condescending connivers
Posted by Samuelsondoug on 07/11/2012
VIRGINIA -- I have automatic payments from my checking account to an overdraft line. Since M&T bought the bank I used, there seems to be endless creativity in finding ways to maneuver the customer into a late fee or service charge. I have a couple of carefully documented instances in which the bank took a larger payment than the billed amount. If I pay directly, in cash,. less than 72 hours before the automatic payment is scheduled to come out, the payment "doesn't count," it takes the automatic payment anyway, and if my checking account balance won't cover the payment, I get an overdraft fee. The bank will not take available money from the overdraft line to cover this type of overdraft. Paying cash into the checking account the day the payment is due also will not cover a potential overdraft, as the bank does not consider a cash deposit available until the next business day. Their so-called "customer service" reps treat complaints and appeals on these subjects as if I were a petulant five-year-old. When I pointed out to one of them that the bank's practices are quite likely illegal, she laughed at me and hung up. I fervently hope that one of these days they will lose a huge class action lawsuit for this crap. I understand it wouldn't be the first class action lawsuit they've lost over confusing and exploitive fees. Forget 'em!
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Posted by trmn8r on 2012-07-11:
The things that you describe sound standard to me, at other banks as well.
Automatic payments need to be cancelled days in advance to be sure they are actually cancelled. And I don't know if you can cancel a single payment without cancelling the periodic transfer altogether.
Depositing the same day to cover a debit often doesn't work either. The trick is to keep a buffer in your account to cover impending debits - incurring overdrafts just isn't worth it.
Posted by Mark on 2012-12-21:
This is the worst bank hands down
Posted by Al braden on 2013-02-14:
M and t has robbed me the same way. Just last month they hit me wit 9 overdraft fees using the same practices. I am looking for others and will file a class action suit.
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The Worse Bank is M and T Bank
Posted by Rangergreedstrong on 06/07/2012
M and T Bank is a rip off. The online bill pay system process a payment before the date that I have setup to make a payment that cause my account another overdraft. M and T Bank can KISS MY A** YOU SONS OF BUTCHES.
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Posted by trmn8r on 2012-06-07:
When you called and asked for an explanation of how this can happen, what were you told?
The best offense with banks is a good defense and not falling pray to the same fees twice. Off the top, I don't know why this would happen, except possibly if a weekend were involved. I don't use "bill pay" so I wouldn't know.
Posted by Delaware on 2012-07-07:
I use to love my bank, Then M and T took over now I'm always in the hole with them!! I'm looking for another bank on Monday can't stand M and T scam big time!!!!
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Worst of the Worst
Posted by Eksanimo on 06/07/2012
AUBURN, NEW YORK -- Well a friend gave a check today from M&T Bank and I went to cash it and they said no account here, YOU PAY us $10.00 fee to cash our check !! Ha ! This is why I dumped this bank 8 years ago. They are not user friendly they are bilkers of the masses, who bait and switch, hide fees no other banks even dare to charge. They prey on the weak and vulnerable. GO TO ANY LOCAL BANK OR CREDIT UNION, THIS PLACE (M&T BANK) IS JUST A WARREN BUFFET SCAMMER BANK.
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Posted by clutzycook on 2012-06-07:
So why not take it to your bank? Just so you know, any other bank would charge you to cash the check if you did not have an account with them.
Posted by trmn8r on 2012-06-07:
I find it interesting that you state "go to any local bank".
My "local" bank, a regional one, charges for such a transaction. I know BoA does. I'd be interested in knowing of a bank that doesn't.
I don't know if a credit union will perform a check cashing service for non customers or not...
Posted by Anonymous on 2012-06-07:
Agree with Clutzy. Every time I read one of these complaints, I wonder why the OP wouldn't just go to their own bank in the first place? Maybe its just me but I prefer to go to my credit union, especially after the experience I had with BofA trying to cash a check drawn on one of their accounts.
Posted by Churro on 2012-06-07:
Again the SERVICE provided is for the check writer not the check casher.
Ask and ye shall receive. Here's four local banks off the top of my head that don't charge to cash checks drawn on their bank.
Arvest Bank
First National Bank in Midwest City
Tinker Federal Credit Union
Communications Federal Credit Union
Posted by Churro on 2012-06-07:
Samanthasmom, You realize if you deposit a check in your account and it bounces you could get hit with a fee from your bank? That's a good reason why people redeem checks at the banks they were written on.
Posted by clutzycook on 2012-06-07:
Hopefully the odds of that happening are pretty slim. Otherwise, you have some pretty lousy friends. In any case, I would take my chances and if I did get dinged, I'd go after the check writer for the fee.
But if you're that worried about it, only accept cash.
Posted by Churro on 2012-06-07:
Only accept cash from people who choose to do business with a bank that won't offer the service of redeeming your check without hitting the person you wrote the check to with a fee.
Posted by CowboyFan on 2012-06-07:
Two things that immediately come to mind is that a person without an account increases the risk of a fraudelent or altered check. The bank cashes the check, but the person is long gone when the check is found not to have been written by their customer (or altered). Also, cashing checks cost the bank money (versus deposits), but banks do it because it builds up customer relations with "their customers." Someone who has no accounts but wants to cash a check, cost them money, but provides no future benefit to the bank.
Posted by madconsumer on 2012-06-07:
very helpful comments churro!!!!!!
Posted by Churro on 2012-06-07:
Helpful is what I aim for.
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Thursday, April 24, 2014
By Steve Mistler email@example.com
State House Bureau
AUGUSTA – Gov. Paul LePage's proposed $6.3 billion two-year state budget would balloon property taxes, slash municipal services and make Maine businesses less competitive.
In this December 2008 file photo, the National Semiconductor's facility in South Portland. National Semiconductor was one of several businesses to testify Wednesday, March 13, 2013 against Gov. LePage's proposal to eliminate the Business Equipment Tax Reimbursement program.
John Ewing / Staff Photographer
That was the message delivered to the Legislature's tax and budget-writing committees Wednesday by more than 100 local officials, businesses and others affected by the governor's plan.
The daylong public hearing is one of several scheduled by lawmakers, who are beginning to dig into a controversial budget proposal that will further test the Democratic-controlled Legislature's ability to work with – or around – the Republican governor.
Wednesday's hearing centered on four of the governor's most contentious proposals, including a provision to suspend municipal aid for two years and save the state over $200 million.
The revenue sharing plan represents 34 percent of the savings initiatives in LePage's budget and is one of several measures LePage has proposed to protect a $400 million tax-cut package enacted by the Legislature in 2011.
The municipal aid proposal has drawn the most attention since the governor unveiled his budget in early January. Democrats and municipalities have described the proposal as effectively a tax shift from the state to towns.
That message was repeated often on Wednesday, as municipal officials lined up to describe the projected impacts on their communities.
The afternoon hearing also included testimony from some of the state's largest businesses opposing LePage's plan to eliminate the Business Equipment Tax Reimbursement program, or BETR. The governor wants to replace the 1995 program with the Business Equipment Tax Exemption, BETE.
Both programs reimburse businesses for taxes paid to municipalities on equipment investments. Many businesses who testified Wednesday support the transition to BETE because it maintains a higher reimbursement rate than the older program. However, their opposition stems from the governor's plan to suspend BETR payments for one year, a proposal that will cost businesses participating in the program a combined $38.8 million.
According to budget documents prepared by Maine Revenue Services, the measure would save the state $11.8 million.
The impact varies from business to business depending on their equipment expenses.
On Wednesday, large- and medium-sized businesses appeared before the committee to protest the one-year suspension.
Maine paper companies, among the heaviest users of the program, according to Maine Revenue Services data, were united in opposing the measure. Verso Paper, with mills in Bucksport and Jay, received over $4 million in reimbursement in fiscal year 2012. Bath Iron Works received $3.4 million and National Semiconductor received $1.9 million in reimbursements last year.
Both companies testified against the proposal, as did Tambrands ($1.3 million), Fairchild Semiconductor Corp. ($552,000), Unum ($330,000), B&M Baked Beans ($75,000) and Texas Instruments ($75,400).
Ed Snook, with B&M Baked Beans, said the program leveled the playing field with other states. Suspending the reimbursement even for a year could be viewed as a tax increase by B&M's parent company, B&G Foods Inc., possibly resulting in job cuts, he said.
The argument was repeated by more than a dozen businesses and their advocates, including the Maine State Chamber of Commerce and Portland Regional Chamber of Commerce.
Several argued that the proposal created an unstable tax environment.
David Brenerman, government affairs officer at Unum, said an unreliable tax system and reneging on the state's commitment to the program could make "businesses less inclined to invest in Maine."
(Continued on page 2)


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Identifying, retaining, and preserving masonry features
from the restoration period such as walls, brackets,
railings, cornices, window architraves, door pediments,
steps, and columns; and details such as tooling and
bonding patterns, coatings, and color.
Altering masonry features from the restoration period.Failing
to properly document masonry features from the restoration
period which may result in their loss.Applying paint
or other coatings such as stucco to masonry or removing
paint or stucco from masonry if such treatments cannot
be documented to the restoration period.Changing the
type or color of the paint or coating unless the work
can be substantiated by historical documentation.
Protecting and maintaining masonry from the restoration
period by providing proper drainage so that water does
not stand on flat, horizontal surfaces or accumulate
in curved decorative features.
Cleaning masonry only when necessary to halt deterioration
or remove heavy soiling.
Carrying out masonry surface cleaning tests after
it has been determined that such cleaning is appropriate.
Tests should be observed over a sufficient period of
time so that both the immediate and the long range effects
are known to enable selection of the gentlest method
Cleaning masonry surfaces with the gentlest method
possible, such as low pressure water and detergents,
using natural bristle brushes.
Inspecting painted masonry surfaces to determine
whether repainting is necessary.
Removing damaged or deteriorated paint only to the
next sound layer using the gentlest method possible
(e.g., handscraping) prior to repainting.
Applying compatible paint coating systems following
proper surface preparation.
Repainting with colors that are documented to the
restoration period of the building.
Evaluating the existing condition of the masonry
to determine whether more than protection and maintenance
are required, that is, if repairs to the masonry features
from the restoration period will be necessary.
Failing to evaluate and treat the various causes of
mortar joint deterioration such as leaking roofs or
gutters, differential settlement of the building, capillary
action, or extreme weather exposure.
Cleaning masonry surfaces when they are not heavily
soiled, thus needlessly introducing chemicals or moisture
into historic materials.
Cleaning masonry surfaces without testing or without
sufficient time for the testing results to be of value.
Sandblasting brick or stone surfaces using dry or wet
grit or other abrasives. These methods of cleaning permanently
erode the surface of the material and accelerate deterioration.
Using a cleaning method that involves water or liquid
chemical solutions when there is any possibility of
freezing temperatures.
Cleaning with chemical products that will damage masonry,
such as using acid on limestone or marble, or leaving
chemicals on masonry surfaces.Applying high pressure
water cleaning methods that will damage historic masonry
and the mortar joints.
Removing paint that is firmly adhering to, and thus
protecting, masonry surfaces.
Using methods of removing paint which are destructive
to masonry, such as sandblasting, application of caustic
solutions, or high pressure waterblasting.
Failing to follow manufacturers' product and application
instructions when repainting masonry.
Using new paint colors that are not documented to the
restoration period of the building.
Failing to undertake adequate measures to assure the
protection of masonry features from the restoration
Repairing, stabilizing and conserving fragile masonry
from the restoration period by well-tested consolidants,
when appropriate. Repairs should be physically and visually
compatible and identifiable upon close inspection for
future research.
Repairing masonry walls and other masonry features
by repointing the mortar joints where there is evidence
of deterioration such as disintegrating mortar, cracks
in mortar joints, loose bricks, damp walls, or damaged
Removing deteriorated mortar by carefully hand-raking
the joints to avoid damaging the masonry. Duplicating,
and if necessary, reproducing period mortar in strength,
composition, color, and texture.
Duplicating and, if necessary, reproducing period
mortar joints in width and in joint profile.
Repairing stucco by removing the damaged material
and patching with new stucco that duplicates stucco
of the restoration period in strength, composition,
color, and texture.
Using mud plaster as a surface coating over unfired,
unstabilized adobe because the mud plaster will bond
to the adobe.
Cutting damaged concrete back to remove the source
of deterioration (often corrosion on metal reinforcement
bars). The new patch must be applied carefully so it
will bond satisfactorily with, and match, the historic
Repairing masonry features from the restoration
period by patching, piecing-in, or otherwise reinforcing
the masonry using recognized preservation methods. Repair
may also include the limited replacement in kind--or
with compatible substitute material--of those extensively
deteriorated or missing parts of masonry features from
the restoration period when there are surviving prototypes
such as terra-cotta brackets or stone balusters. The
new work should be unobtrusively dated to guide future
research and treatment.
Applying new or non-historic surface treatments
such as water-repellent coatings to masonry only after
repointing and only if masonry repairs have failed to
arrest water penetration problems.
Removing masonry from the restoration period that could
be stabilized, repaired and conserved; or using untested
consolidants and untrained personnel, thus causing further
damage to fragile historic materials.
Removing nondeteriorated mortar from sound joints,
then repointing the entire building to achieve a uniform
Using electric saws and hammers rather than hand tools
to remove deteriorated mortar from joints prior to repointing.
Repointing with mortar of high portland cement content
(unless it is the content of the historic mortar). This
can often create a bond that is stronger than the historic
material and can cause damage as a result of the differing
coefficient of expansion and the differing porosity
of the material and the mortar.
Repointing with a synthetic caulking compound.Using
a "scrub" coating technique to repoint instead of traditional
repointing methods.
Changing the width or joint profile when repointing.
Removing sound stucco; or repairing with new stucco
that is stronger than the historic material or does
not convey the same visual appearance.
Applying cement stucco to unfired, unstabilized adobe.
Because the cement stucco will not bond properly, moisture
can become entrapped between materials, resulting in
accelerated deterioration of the adobe.
Patching concrete without removing the source of deterioration.
Replacing an entire masonry feature from the restoration
period such as a cornice or balustrade when repair of
the masonry and limited replacement of deteriorated
or missing parts are appropriate.
Using a substitute material for the replacement part
that does not convey the visual appearance of the surviving
parts of the masonry feature or that is physically or
chemically incompatible.
Applying waterproof, water repellent, or non-historic
coatings such as stucco to masonry as a substitute for
repointing and masonry repairs. Coatings are frequently
unnecessary, expensive, and may change the appearance
of historic masonry as well as accelerate its deterioration.
Replacing in kind an entire masonry feature from
the restoration period that is too deteriorated to repair--if
the overall form and detailing are still evident--using
the physical evidence as a model to reproduce the feature.
Examples can include large sections of a wall, a cornice,
balustrade, column, or stairway. If using the same kind
of material is not technically or economically feasible,
then a compatible substitute material may be considered.
The new work should be unobtrusively dated to guide
future research and treatment.
Removing a masonry feature from the restoration period
that is unrepairable and not replacing it.
Removing or altering masonry features from
other historic periods such as a later doorway,
porch, or steps.
Documenting materials and features dating
from other periods prior to their alteration or
removal. If possible, selected examples of these
features or materials should be stored to facilitate
future research.
Failing to remove a masonry feature from another
period, thus confusing the depiction of the building's
Failing to document masonry features from other
historic periods that are removed from the building
so that a valuable portion of the historic record
is lost.
Re-creating a missing masonry feature that
existed during the restoration period based on
physical or documentary evidence; for example,
duplicating a terra-cotta bracket or stone balustrade.
Constructing a masonry feature that was part of
the original design for the building but was never
actually built; or constructing a feature which
was thought to have existed during the restoration
period, but for which there is insufficient documentation.
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"God is Enough" Those are the words of Mary Beth Chapman last night to families in Newtown, Connecticut at the "Night of Hope and Healing" concert to encourage families there in the wake of the tragedy at Sandy Hook Elementary.
If anyone knows what they're going through it's Mary Beth. She is married to an artist you hear a lot on K-LOVE, Steven Curtis Chapman. Five years ago they lost their daughter in a tragic accident, and last night they shared straight from their hearts.
Mary Beth encouraged the families in the midst of their grief that "I can offer no answers other than God is enough."
The bible says God is close to the broken hearted. It's a good reminder that even when times are tough, even when you are sad, that it doesn't mean that God is not with you or loving you, in fact it means He is closer.
She also encouraged those that have lost loved ones by describing her own honest feelings about her daughter. She said, "We're going to see her again, l wish it was now."
That's the promise we have. Those who belief in Jesus receive eternal life and we will be reunited in Heaven.
Here is a song from Steven Curtis Chapman that he performed last night. It's about what that reunion might look like.
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May 11 • 8 AM
Entry Fee-$20.00 before May 1 ($4 Discount to ARC members)
Race Day Registrations $25.00 Race Day registration will be between 6:30 AM - 7:30 AM at Piedmont High School Stadium. Please pre-register by May 1 to guarantee a shirt. On race day, shirts available while supply lasts.
.Age Groups- (Male and Female)
9 and under, 10-14, 15-19, 20-24, 25-29, 30-34, 35-39, 40-44, 45-49, 50-54, 55-59, 60-64,
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For more information: Heather Lamey 256-447-2220 or
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• Philadelphia Baptist Church is asking for help with a cemetery cleanup. Anyone wishing to help clean the cemetery is invited to come between today and May 11. Decoration will take place May 19. Service will begin at 10:30. Kenneth Gowens will be the guest speaker.
• The Piedmont Church of God will host a special visitor on Mother's Day, May 12. Meredith Parker will be the guest speaker. Her testimony has been televised on the 700 Club. Parker will speak during the 10:45 a.m. morning service. Special music will be provided by Heaven Seekers. The community is invited to attend.
• A reminder that while the spring season is here and many landowners will be cleaning their property, any outdoor burning within the Piedmont City Limits requires a burn permit which can be obtained free of charge, provided that you meet the outside burning criteria, you can apply for a permit at the Fire Department at 312 N. Center Ave., If you have any questions concerning outdoor burning you can call the fire department at 256-447-3364.
• The Jacksonville State University Small Business Center, the SBA, and the Calhoun County Chamber will offer one-on-one counseling for prospectoive and existing business oweners at no charge on Thursday, May 2 from 1 to 4 p.m. at the Chamber office. It is necessary you make an appointment. For more information, or to make an appointment, call 256-782-5271.
• Crossplains Church of Piedmont, in partnership with the Piedmont Benevolence Center, invites kids ages 5 and up to the church every Wednesday to get F.I.T. (food, interaction, teaching) Every Wednesday night from 6-7:30 p.m. Supper, Devotion and Games. Anyone needing transportation contact 256-447-2721. Someone will return calls regarding pickup times.
• Piedmont Health Care has started an Alzheimer's support group. The Alzheimer's Support Group at PHCC is designed to increase public awareness and enhance individual and family education regarding Alzheimer's disease and other dementia. For more additional information, please call Yolanda Pierce, social services director (256) 447-8258 Ext. 232. Refreshments to be provided.
• New classes for the Jacksonville State University Adult Wellness classes are: Monday, Wednesday and Friday: Senior water aerobics and senior floor aerobic classes, 8 a.m., Jacksonville State University, Pete Mathews Coliseum. Contact Aubrey Crossen at 256-689-2580 or email@example.com for more information and: Tuesday and Thursday: Senior water aerobics and senior therapeutic yoga classes, 8 a.m., Jacksonville State University, Pete Mathews Coliseum. Contact Aubrey Crossen at 256-689-2580 or firstname.lastname@example.com for more information.
• Applications for Head Start are now being taken. Come visit a Head Start/Early Head Start Center in your community and talk with center coordinators or family advocates. For additional information in Calhoun and Cleburne counties call Gayle McClellan at 256-237-8628. Head Start Centers located in Calhoun County are Norwood, Piedmont, Ayers, Constantine and Hobson City. Children must be three years old by Sept. 1.


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Thank you to everyone who joined us this year. Details for the 2015 Conference & Tradeshow will be released in the fall. We'll see you next year!
Event education brought to life!
For event professionals, staying fresh and creative while reinforcing bottom-line goals and strategies isn't an easy task. The education and experiences gained at the Event Solutions Conference & Tradeshow will give you creative concepts, money-saving resources and a solid business sense that will help you grow your business.
|With world-class speakers presenting dozens of sessions on trends, training and inspiration, plus unforgettable social events and a year's worth of networking with new contacts, the Event Solutions Conference & Tradeshow delivers big returns on a small investment.
Event Solutions education will include the latest and most pertinent issues facing our industry and you'll walk away with winning strategies, invaluable tools, new ideas, the latest trends and proven techniques for the event industry.
|Keynotes David Stark and Peter Callahan lead an exciting line up of industry experts.Find thousands of resources and reputable vendors on the award-winning Tradeshow floor.


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You can also read manga online try the Archlord manga!
You're reading Archlord 34 online. You can try some of the related manga below or try some other manga from our manga list.
Users who read Archlord also read RG Veda, ChunRangYulJun, dangu, Witch Hunter, Ubel Blatt, Id, Mahou Tsukai Kurohime, Monochrome Factor, Jinjuu Houretsuden, Silver Diamond, 1/2 Prince, .hack//G.U.+, A Book of Dreams, Blazin\' Barrels, Avian Wander and Akaboshi - Ibun Suikoden


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Find a Group
Use the map below to view a list of groups in your congregation. Start off by selecting the congregation you attend, then find a group that works for you. You can visit that group by clicking the "Signup" link in the list and filling in your information. The group's leader will receive an email with your request and will contact you with more information about the group.


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- Nintendo
- © 2014 Nintendo. Games are property of their respective owners.
Nintendo of America Inc. Headquarters are in Redmond, Washington
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Simulated Gambling
Texas Hold 'Em Poker DS will bring all the action from the poker table into your palm on the Nintendo DS. Compete in Quick Game or Tournament Mode against up to 10 computer players and then once you're ready take on up to 4 of your friends via the wireless multiplayer link in limit or no limit play. Go 'all in' with the hottest poker craze around, Texas Hold 'Em Poker DS!
• Play 7 different Poker games in Tournament or Head-to-Head linked modes
• Compete in Practice, Quick-Play Tournaments or Tour Championship Season with a choice of Limit or No-limit
• Advanced bluff mechanic giving a myriad of tells/emotions/reactions to your computer opponents.
• Touch screen features to include: win percentages, action buttons, and chip management
• Full Texas Hold'em game play, including 5/10 Limit Play, 25/50 Limit Play, Pot Limit, and No Limit Play.
• 6 person wireless link multiplayer
• Password entry feature allows players to save their bankroll for future games in Career Mode.
• Play in country wide tournaments in 7 different venues and ultimately compete in Vegas for the Texas Hold 'Em Poker Championship.
Peanut Big Top is throwing the biggest Silly Funhouse carnival in Lalaloopsy Land for all to enjoy, including a special treat at the end! It's up to you to find all of the Lalaloopsy friends at the carnival to reveal the BIG surprise!
Your monsterific adventure awaits!
Bratz are everyone's favorite girls with a passion for fashion!
Have twice the adventure with Mama, in and out of the kitchen!
Help Mama create delicious dishes and cool crafts with this second volume of Mama'sbest-selling DS classics!
The longest running Major League Baseball franchise returns to the virtual diamond with MLB 2K12 from 2K Sports.


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Student Development and Judicial Affairs
The Office of Student Development and Judicial Affairs administers the Student Conduct Code (California Code of Regulations Title 5, Section 41301). Matters relating to student conduct and violations of the Student Conduct Code should be referred to this office. The Office of Student Development and Judicial Affairs addresses student conduct issues in a manner to facilitate the ethical development of students, encourage respect for the campus community, and hold students accountable for violations of the Student Conduct Code.
- Academic Dishonesty Policy
- Form for Reporting Academic Dishonesty
- Acceptable Computing Use Policy
To promote and protect these ideals and resources, this policy is intended to define acceptable and unacceptable computing uses and practices on the university campuses and among members of the university community.
- Alcohol Policy
- Contact the Office of Student Development and Judicial Affairs
So you have a specific question or problem not answered here? Contact the office directly and get prompt, private answers to your questions or situation.
- Dealing with Disruptive Student Behavior
These are resources and guidelines.
- Executive Order 1072
Executive Order 1072, implements CSU systemwide, Title IX of the Education Amendments of 1972 and related sexual harassment/violence legislation.
- Executive Order 1073
Executive Order 1073 is the CSU systemwide procedure pursuant to section 41301 of Title 5 of the California Code of Regulations (Title 5), which governs all student disciplinary matters.
- Executive Order 1074
Executive Order 1074 is the CSU systemwide policy prohibiting discrimination, harassment and retaliation against students and the systemwide procedure for handling discrimination, harassment and retaliation complaints by students.
- Policy on Alcohol and Other Drugs
- Qualifications for Candidacy and Incumbency in Student Government.
Candidates for elected and/or appointed office, and Incumbents in elective and appointed offices must fulfill the listed requirements.
- Reporting Student Misconduct
Use this form when reporting Student Misconduct.
- Resources
Visit our Resource Page to find out where you can get more help.
- Standards for Student Conduct
This California law, Section 41301 of Title 5 of the California Code of Regulations, articulates the Student Conduct Code and notes the CSU Chancellor's authority to adopt procedures for enforcing the code. The procedures are found in Executive Order 1073.
- Steps in Resolving Allegations of Student Misconduct
A graphic representation of the process by which allegations of student misconduct are adjudicated at CSUEB.
- Student Rights & Responsibilities
How students can effectively use their rights and how to carry out their obligations in order to maximize the benefits of their college education.
The Office of Student Development and Judicial Affairs is committed to educating the campus community on the Student Code of Conduct. We offer programs on a variety of topics including the following:
- Academic Dishonesty
- Classroom Disruptions
- Know the Code
- Life in the Residence Halls
If there is a specific topic you would like us to cover, let us know and we will work with you to create a presentation that fits your needs. We encourage you to request a presentation for:
- Classes
- Student Organizations
- Residence Hall Communities
- Faculty and Staff
- Parents
- Athletic Teams


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Kim Kardashian: In Search of the K Factor
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SLAM DUNK: NEW YORK KNICKS' TYSON CHANDLER The star center is setting a new standard in off-court style.
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Universal Master Cylinder Bleeder Kit No. 803X from Thexton Manufacturing Company, Inc.
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Law Office of Charles F. Koehler, P.C.
20 West Market Street, Suite K - Leesburg, VA 20176
(703) 669-5644
Tell us more about your case so that we can show you lawyers that serve your area.
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Winning pitcher Tony Urban (3-1) allowed only three hits in seven innings and struck out three. Stout pitched the eighth and ninth innings to earn the save and tie Todd Hornsby's school record.
The Bruins had runners on second and third with one out in the ninth, before Stout got a strikeout and a flyout to end the game.
Jacksonville State scored its two runs in the fifth inning. The Gamecocks received three walks, then Griff Gordon delivered a two-out single to left field, driving home Cal Lambert and Michael Bishop.
Jacksonville State (27-21, 18-6 Ohio Valley Conference) is tied for second in the league with Belmont (32-14, 18-6). They trail Tennessee Tech, which is 17-4 in the OVC.
The Gamecocks will host Auburn on Tuesday at 6:30 p.m.


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|When you send flowers in Maidenhill, it isn't always for happy occasions. Unfortunate or unexpected events can often leave you unsure as to what to do or say; this can be the best time to organise a flower delivery in Maidenhill - flowers often convey sentiments where words can fail. Interflora Maidenhill has a wide selection of tasteful, carefully chosen sympathy and funeral flowers. When you arrange a flower delivery in Maidenhill of this sort, you are expressing your support for those left behind, but without intruding on their grief in a difficult time. Interflora Glamorgan would like to offer you our support, in helping you choose the most appropriate flower delivery to Maidenhill. Many of our bouquets are pre-designed, but you also have the ear of our florists, who can help you create your own flower delivery in Maidenhill. Flowers can be ordered by walking into one of our flower shops in Maidenhill, via the telephone or online. For flowers for any occasion contact Interflora in Maidenhill now.


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When shopping for promotional mp3 player accessories from Branders.com, don't be taken aback with the prices you see. they're really that low. In fact, all our giveaways are offered at their lowest possible price, that if you're first to report a lower rate from another website, we'll give freebies already imprinted with your logo. Plus, if you come across a cheaper rate than what you had paid, we will refund the price difference.
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Miriam H. Alexander, MD
Director, General Preventive Medicine Residency Program
Director, Mid-Atlantic Public Health Training Center
Assistant Professor
Departmental Affiliation(s):
Population, Family and Reproductive Health
Center & Institute Affiliation(s):
Contact Information
615 N. Wolfe Street, E4036
Baltimore , Maryland 21205
SciVal Experts Research Profile
MD , Cornell University Medical College , 1984
MPH , Johns Hopkins University
public health workforce development
Honors and Awards
Distinguished Service Award: American College of Preventive Medicine 2007
Advising, Mentoring and Teaching Recognition Award: Johns Hopkins Bloomberg School of Public Health, 1999-2000
Rising Star Award: American College of Preventive Medicine, 1997
Delta Omega Public Health Honor Society
- Preventive Medicine
- Public health professional education and programs
- population family and reproductive health
Menschik D, Ahmed S, Alexander MH, Blum RW. Adolescent Physical Activities as Predictors of Young Adult Weight. Arch Pediatr Adolesc Med. 162(1):29-33, 2008
Uddin S, Barnett D, Parker, C; Links, J, Alexander MH Emergency Preparedness: Addressing a Residency Training Gap. Acad Med 83(3):1-7, 2007.
Rodin, R, Alexander MH, Guillory J, Rogers, J. Physician Counseling to Prevent Overweight in Children and Adolescents: American College of Preventive Medicine Position Statement. J Public Health Manag Pract. 12(6):665-671, 2007
Augustyn, MA, Fews A, Goldman, L, Mitchell, M, Alexander MH. A Four-Phased Needs Assessment of the Training Needs of the Public Health Workforce in the Mid-Atlantic Region. Leadership in Public Health. 7(3):19-28, 2007


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User Tag List
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Thread: Stringing the cross
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And I can't even get string for THAT price! Forget labour.....
I charge my service out cheap but I can't beat that kind of price! (oh yeah and I also WON'T do any rackets over below 18lbs or over 25lbs - for any Aussies reading this!)
Originally posted by Cheung
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Once you are injured you'll definately have 40 hours to spare!!!!
I think Yong might have spent 40hours on three racquets..............
But yes, i spent 5 hours on doing my first racket !!! okay, but i experienced all kind of newbie stringer problems, like a slipping clamp (i wondered, while doing the mains, one side had more tension than the other .... , one time i didn't properly fixed the swivel clamp on the base ...., first time doing a knot... , doing a missweave and discovered it during the second next cross... , heavy curling of the string during pulling through.... aarggr this is an irritating one! )
My second (3 hours) and third racket (2 hours) went lots better..
I'm looking forward in doing it in half an hour !!!
Yesterday i played with my newly 23-24 lbs strung racket.. and the bird popped very nicely of the racket.
I see it as a nice new dimension on my favourite sport.
Btw great discussion on stringing techniques !!
wow $2.5USD with string! haha
my string was BG-85 from m'sia, got a few years ago, i think it was 10-15RM.
ayl you in melb.! so am I, I just get it done with a friend of a friend, who does it real cheaply. There's this store in North Balwyn which does it for $28 with BG-65Hahahhaa, I laughed when he told me his price.
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